Vitals
  • Total Assets
    1.1B 5.2 %
  • Total Deposits
    878.6M 5.3 %
  • Total Net Loans
    813.5M 7.4 %
  • Net Income
    7.1M 5.7 %
  • Book Value
    112.8M 1.9 %
  • Book Value x2
    225.6M 1.9 %
  • Book Value x3
    338.3M 1.9 %
ROAA

.698

ROAE

6.252

Efficiency Ratio

72.754

Net Interest Margin

3.985

Balance Sheet Highlights
Financial Highlights State Bank & Trust Company All Insured Commercial Banks in Mississippi
Balance Sheet $(000)
Total Assets 1,051,928 525,484
Total Net Loans 813,540 348,104
Total Deposits 878,624 440,088
Total Equity 113,445 60,485
Profitability
Net Income 7,101 5,177
Return on Average Assets .698 .911
Return on Average Equity 6.252 8.357
Net Interest Margin 3.985 3.971
Efficiency Ratio 72.754 70.327
Noninterest Income/Revenue 13.437 22.171
Balance Sheet Ratios
Loan-to-Deposit 92.593 71.665
Securities/Assets .101 .197
Total Equity/Total Assets .108 .115
Tangible Equity/Tangible Assets .081 .102
Capital Adequacy
Tier 1 Common Capital 87,101 52,498
Tier 1 Capital 87,395 52,598
Tier 2 Capital 9,429 3,510
Total Capital 96,824 56,103
Total Risk Weighted Assets 858,100 380,206
Leverage Ratio 8.63 10.71
Common Equity Tier 1 Capital Ratio 10.15 16.284
Tier 1 Capital Ratio 10.18 16.342
Total Capital Ratio 11.28 17.377

Timeline for State Bank & Trust Company

Sbt Properties Ii, Inc

Sbt Properties Ii, Inc became a new subsidiary organization for State Bank & Trust Company.

View Profile Sep 06 2012

Sbt Financial Services, Inc.

Sbt Financial Services, Inc. became a new subsidiary organization for State Bank & Trust Company.

View Profile Jan 09 2009

The American Bank

Acquisition: State Bank & Trust Company acquired a new subsidiary, The American Bank, 16 years

View Profile Jul 01 2007

Sbt Properties Corp

Sbt Properties Corp became a new subsidiary organization for State Bank & Trust Company.

View Profile May 08 2007

Consumer National Bank

Acquisition: State Bank & Trust Company acquired a new subsidiary, Consumer National Bank, 17 years

View Profile Jun 01 2006

Want to see more?

Complete timeline for State Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The American Bank Seller 96,316 Acquisition Discontinued 7/1/2007
Consumer National Bank Seller 59,430 Acquisition Discontinued 6/1/2006
First Bank Seller 109,686 Acquisition Discontinued 4/1/2005
Mississippi Southern Bank Seller 47,635 Pooling of Interests Discontinued 12/7/2002
State Bank & Trust Company Seller 128,302 Acquisition Discontinued 8/1/2000
Bank Of Webb Seller 7,541 Pooling of Interests Discontinued 12/5/1995
Relationships Role Relationship Start Relationship End
State Capital Corporation Parent 6/19/1990
State Capital Corporation Parent 5/1/1990 6/18/1990
State Capital Corporation Parent 7/21/1982 4/30/1990
Sbt Properties Corp Subsidary 6/30/2007
Sbt Financial Services, Inc. Subsidary 1/9/2009
Sbt Properties Ii, Inc Subsidary 9/6/2012
Sbbp Llc Subsidary 8/19/2004
Sbt Properties Corp Subsidary 5/8/2007 6/29/2007
Valley Financial Services, Inc. Subsidary 10/5/1987 1/1/2005
Ole Brook Finance Company Subsidary 8/1/2000 1/1/2005
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